EFT

Outlawdammit430

https://preview.redd.it/ltec41mtotog1.jpeg?width=3024&format=pjpg&auto=webp&s=901c1901b2237eaacb15d9ab2eee626e572319c9 Each day 9 days straight - buy hour after open and sell at close. Oil 2x leveraged EFT Easy money on commodities, basic stuff here.

OrdinaryMix4013

#Iran Democracy EFT wen

drew-gen-x

You have a lot of tech stocks where you are double dipping b/w individual stock holdings, and their inclusion also in your $QQQ and $SPY/$VOO holdings. I do like that you are adding to $AVDU and $AVUV. You have chosen those 2 where I am investing in $EWY and $EWJ. I would increase your $AVDU & $AVUV percentage or just buy a non USA world EFT like $ACWI and sell the individual stocks or your $QQQ holdings. Your individual tech stocks and $QQQ holdings likely will go up or down at the same time. I am also moving towards ETFs over individual stocks due to time & life. But the industries & indices matter more than just stocks vs ETFs. I would add non USA indices ETFs. Or at least all world ETF like $VT over holding both the $QQQ and $SPY/$VOO). Pick either the $QQQ or $SPY/$VOO, one or the other and buy $ACWI or $VT for the other indices holding. My worthless unasked for 2 cents.

everydave42

How do you possibly think this addresses any rational point here? Have you shared this thought with any “investing is gambling” person and watch some switch flip as they sign up for an EFT? C’mon, none of this “well ACCHHthuLllyyuh” mental masturbation address the core human nature/perception that’s so obviously at play.

Apollo_Delphi

I loaded up on SOXS, UVIX and NVD the last 2 days... made a killing.! NVDA's price was at at a Top - the outlook was okay, but many problems could happen and probably will. A sell-off was expected today by many including me. Many problems with the economy and Geo politics. If the market pushes up Friday - i am loading up again on Inverse EFT's - it will NOT hold. The other companies I have not been paying close attn. to recently, but if i had to bet - i would say they would all go down.

Arrowhead_76

I was actually looking at maybe trimming a few shares and going for an EFT heard good things about VT but I'll look into ITA and PPA. I originally held some GEV but sadly dumped it too early, that's why i'm being extra cautious this time.

bobby1128

I've been leaning heavily on tech stock, so seeing your EFT approach makes me wonder if I should simplify. How do you decide between sticking with EFTs vs adding individual stocks?

bobby1128

Well, letting it ride works at your age, but trimming NBLS and adding a broad EFT gives resilience. I also diversify into Fundrise, so the benefit is steady compounding from private real estate while I stay long tech.

sblahful

Slightly off topic, but I'm looking for an EFT that is all world except the US. Does that exist? If so, any suggestions?

Caurinus2112

OK, I can't \*not\* comment on this. EFT = "Electronic funds transfer" which is one way to move money to or from your brokerage. ETF = "Exchange-traded fund" is what you mean.

Status-Put8162

It's already been said, but WAY too many tickers. 10-15 with a few EFT's.

BacchusAndHamsa

So $100 every month for 40 years in a EFT that follows the S&P 500 of the stock market would get you $1.2 million. You could whine how inflation makes that like a third of $1.2 M now in 40 years.... but it beats zero and is something. So do what you can now, and maybe you'll get higher wages down the road.

nat-n-emore

I am doing something way simpler... Muni-Bond ETFs. I have one for my state and testing the waters on two that have higher yield with on the Federal exemption. I know there is an expense ratio... but it is small and is baked in before the dividend, so the current yield is not reduced. Anything I might be missing by going the EFT route?

Jazzlike-Leek4279

If i were to invest in glod or silver it would have to be in tangible assets i would no longer invest in paper or EFT Gold or Silver but thats just me.

Quiet-Ad8764

Question of how am I doing. I started investing with a deposit of $2k 15 days ago. EFT, high dividend, high returns and mutual funds. Right now I am at $2128. How am I doing? Is that ok. Good, bad or could be better.

Dry_Werewolf_1597

So what, I bought two out of the three weeks ago in a EM EFT.

mags87

Anyone request shares in Robinhoods Private Equity EFT they are launching? The RIV fund? I have a 'concierge' account so hoping they give me all the 1500 that I asked for.

SuitableExercise7096

only liquid funds are EF ( can be used immediatly) Anything in a CD, Brokerage, EFT generally isnt EF as it cannot be used in a emergency because of the time it takes to get it liquid. I'd call these just "savings vehicles"

SuitableExercise7096

Has to scroll down way to far to see this. ALWAYS keep the bulk of your funds in vehicles that make money on your money. An attached HYSA is where that is most liquid and easily transferable to the payables account (checking) Keeping the bulk in your checking is losing you money especially if you have more than a few thousand in it. 3-6 months of liquid in a HSYA, the rest in a SGOV or 4%+ APY accounts you can have access to in 2 biz days ( CD, Brokerage, EFT)

FainterStreak

Hey there, I had a Roth IRA rolled over, and I don't quite want to disclose the amount, but it's certainly getting me excited about what to put this into. After some brief (and I mean brief) research, I was thinking about three EFTs to diversify my stocks, as I am currently leaning pretty heavy in the tech sector (NVDA, VOO) XLV (Health Care Select Sector SPDR) XLI (Industrial Select Sector SDPR) XLP (Consumer Staples Select Sector) What are we thinking, reddit? I will be honest; I know a whole lot of nothing about stocks; I am mainly just trying to load this cash into each EFT for long term investing for the next forty years.

Mini_gunslinger

Is it just Point of Sale that they're diverging on. Or is it the SWIFT network that is the backbone of interbank EFT?

Condog5

Invest in a EFT and you don't have to think mate VOO / VT / VTI something like that. If youre trying to battle single stock youre more likely to lose a lot of money, unless youre a genius or very lucky.

OBotB

A Vanguard EFT made up of the top 500 US companies, low fees, one of the ones you buy and just hold forever, https://investor.vanguard.com/investment-products/etfs/profile/voo

VolcanicKirby2

Take your money put it into EFT’s and index funds and never worry again

Terrible_Champion298

Can’t speak for him but I bought IBIT (an EFT) puts yesterday as Bitcoin crashed hard, and calls today as Bitcoin rallied. Made a some profit.

asuka_rice

He’s not the first, more to come with these passive EFT holders.

EwokNuggets

Just continuing my regularly scheduled EFT buys.

radiohead-nerd

GLD EFT up 6% premarket as of typing this. 💎🙌

dj184

Its not true. UPI for general populace is like NEFT, (EFT) or like zelle. UPI payments for merchants is already taxed if using cards (rupay) and some disable it. As long as its bank to bank transfer via UPI, its free

Various_Couple_764

I wouldn't base the decision on the interest rate. If you don't like the money market interest you can always invest money into a dividend EFT and get bitterly whatever yield you want. One ofmy favorit ETF is QQQI with a 13% yeild. Yes it has more risk than a money market fund. Or you could with CLOZ 8% yield or JAAA 5.5% yeild, both are much safer than QQQI and both easily have higher yields than any money market accounts. I would base my decision

EngulfedInThoughts

Yea, that's what I was thinking. Lets see what he chose to do when the EFT goes live on February 6th.

bobby1128

shorting's risky, leverage EFT's are wild, I think paper trading or waiting until options approval might be the safer way to test a bearish

BeneficialTell7518

Easier to sell I feel with stocks. USAS holds both, but maybe a Gold EFT was better. I have call options til March for SLV etf to hit higher than now in the 110-113

rod_jammer

You can buy Tesla short EFT (TSLS) for around $5. I buy some shares as lotto tickets with spare cash and just wait. If it goes down, I harvest the tax loss. But when (not if) this thing pops when the stock comes back to reality.....it will rip.

Nac_Lac

If you just grab a top ten EFT and do no research, sure. My portfolio has minor exposure to mag 7 and AI stocks. As in less than 25%.

JeNiqueTaMere

> When you buy EFT, it automatically goes into Tesla's pocket. It's an ETF, and that's not how ETFs or stocks work. Nothing goes into Teslas pockets unless they issued new stocks

GerryManDarling

It's not only that. You can easily buy Tesla stock, but where can you buy BYD stock? When you buy EFT, it automatically goes into Tesla's pocket. How can the stock price not rise when everyone is buying EFT?

-Gramsci-

They have EFT’s that have a mix of Euro stocks.., so you don’t have to worry about picking individual ones and leave that to a pro. Again, I’m an idiot, but I like the EUR stocks that will be the recipients of increased defense spending. The Rheinmettal’s of the world, etc. These, like gold, already mooned… so the instinct is to keep looking for something that hasn’t yet… But then like you said, I don’t really care if it moons or not… I just want my USD gone. Year one of this presidency and its lost 13-14% of its value (against the Euro). These nincompoops are just getting started. I don’t see this trend with the USD reversing, I see it just getting worse year over year. I’m sure they’ll “prime the pump” so everyone’s 401Ks show 10% gains, or whatever, but if the dollar lost 15-20% of its value in that period, you’re still just bleeding wealth. And that’s BEST case scenario.

Brilliant-Pirate

Let me answer your question with a question. Do you need the money? If the answer is no, go for it. Considering you’re 16 I assume the answer is actually yes. If that’s the case do yourself a favor and stick with blue chip stocks or EFT’s. I fucked around with penny stocks in college when I thought I had a little money. I remember one day I bought two stocks. I still technically own them both 12 years later. Pretty easy to tell what the better investment was. https://preview.redd.it/kdhad7jb00gg1.jpeg?width=1169&format=pjpg&auto=webp&s=ffa3018644e0589f6f6f06efaf4e0e47a2db44c2

leaning_on_a_wheel

It’s ETF not EFT

MrDinglehut

The developed countries are making deals among themselves. They are doing just fine. The VEA EFT was up 30% last year.

Girldad_4

I did do some research, but I'm pretty new so I am negating my risk just by not investing a lot of money before I know more what I'm doing. The first is the fidelity contrafund, so basically their S&P 500 w/ no fee. Next 3 (SMH, REMX, OIH)are EFT's in industries I think have a bright future; semiconductors , rare earth/strategic metals, and oil services (the companies who actually do the infrastructure for oil and gas exploration and extraction). Next 2 (DPRO, LPTH) are companies that work on drone components. Then RKLB, FOMO buy. The rest I have very small stakes in and were more just vibe buys and tips from friends that invest a lot on what they were buying. IBOT I think is a great ETF (robotics) I just didn't have much money I was willing to put into it yet. I do not yet go in depth on company financials, news, leadership etc. But I'm willing to learn.

junglist_boi

Once again awesome reply! And yes i agree i feel like buying individual stocks is a personal thing that you yourself need to cherry pick and learn about and yes EFT is the word i was looking for in my post which is more the way id want them to go!

RODjij

Plus multiple crypto coin, EFT rug pulls. We might not know for a long time after he's gone how much money him and family made out with. From reports this week, they know of about 1.4 billion from with Donald alone in the first year.

pyrogoldguy

Im a mixed bag today. Individual account is up but my EFT/ dividend account is down.

Special-Tackle1603

But let me be clear. This is my speculation. Not gospel, make your own choices, I’m taking a bet on this out of my observations and beliefs. Some of that bet I feel better with knowing O’Neil bought another $3.4M shares worth close to $6m over the last couple months. This act for any other stock, when you consider the number of shares the company has to be significant. Does it make you wonder a bit why it’s not really been talked about, I’m sure some of it has to do with the concerns of the oil market, which are valid, but you don’t make huge returns on certainties, you make them on gambles where you choose the right side. If I wanted to make easy, modest returns i could invest in an S&P EFT or something like PTY

csr8765

It’s the EFT’s. They have killed liquidity

Wide_Community_8839

Put 58K into WEBN EFT en you are back before you no it!

DangerousRoutine1678

Because SLV is an Trust (similar to an EFT) that tracks the performance of Silver. Etf's and Trusts hold a certain percentage of the underlying asset typically %60 to %80 and use the rest of the cash to rebalance so it tracks the day to day performance. All Trust and ETF's do this to some extent. This allows people to buy shares at a cheaper price and still get the performance of the underlying. SPY, QQQ, VOO, GLD are all the same. Gold spot is $4600 but GLD is $422.23/share, S&P 500 Index is 6977 but SPY S&P 500 ETF is $695/share. This allows more access to expensive equities that would be out of reach for many.

Emotional_Shallot366

i've been about 30% cash since 2024/2025. currently earning about 5% on it. I've been predicting this so-called crash for years, but this government keeps prepping up a failing dollar on fascism and flurry. I have about 15% in crypto EFT's and the rest in old-fashioned index funds.

AcanthopterygiiTop95

Done: Transfer type Electronic funds transfer (EFT) 60-day rollover No Date Jan-01-2026 Amount $8,600.00

Blade3colorado

Preface by saying that most of my money is in an EFT, but I have a lot of money in tech stocks too, e.g., NVDA, AVGO, BTDR, AMZN . . . Right this moment? Easily the Health sector because it is beaten up. About 2 months ago, after earnings, I bought CI - which cratered that day. I bought a 1000 shares and I am up 10%+ and expect to be up more than 30-40% by the close of next year. UNH, ELV, etc., will also see these types of gains.

bhavil9

Dump it in an EFT and stay away from trading

Left-Foot2988

You need to get out of trading and just INVEST! EFT's would have been better FFS IYY, SPY, SPYG. Individual stocks - NVDA, UI, AVGO, MU for starters, but there are many many more. You need to stay the hell away from options man. Just use index funds, I like 1 Dow and 1 S&P personally, and a few fast movers, but in your case, you need to stay the Fuk away from high risk until you build that shit back up. Best wishes, but we all learn from mistakes. Hopefully you can make that shit back up. I took 10k out of an investment account, which led me to a $3k balance. In 18 months, I am back up to over $12k, adding only $75/week. It can be done.

Johnkiiii

Thank you so much......Just a few question. Are there EFTs actively managed to rebalance or just follow the index no matter what? Another question, what is the difference between stock, bonds and mutual funds as there are some overlaps between sectors and companies? Finally, does RBC offer such an EFT? Thanks,

beIIe-and-sebastian

I think it's fine to have a 'base' or 'foundation' EFT and then allocate a little else to more risk or speculative growth. I do the same with VWRP (80%) and 10% with a battery value chain EFT and 10% in an S&P500 technology ETF.

Ok_Ground9015

Can we get an Epstein File Ticker going. EFT even.

wade0000

I thankfully read all these horror stories on here and made a simple EFT Schwab account for $1000. I trade on that and learn everyday with small money that I suck at betting on Wall Street

jonathansj

Jesus bro. That’s a shitton of weeklies. Have u considered time decay being your biggest enemy before buying? Anyway, put that $29k u got left in EFT and forget about it for the next 10 years

fivefans

I'd suggest setting up another account. Fund it with a small amount and have options trading ability. Remove options availability for the retirement accounts and put in VOO or another safe EFT. Gamble only on your new cash account.

Pavickling

Even if MSTR crashes more eventually, you can still get burned with the EFT. I'd just not play the game if you can't get more direct exposure to cheap covered shorting.

Quick-Economist-4247

It’s a speculative buy, could easily lose half its value or more, in short order. I’ve mainly lost money on speculative stocks like these in the past or I’ve bag held for years before I’ve made any money. I wouldn’t put much into it, only a few percentage of my holdings. You are better off buying an energy EFT in the long term I think, but again that wouldn’t be a big part of my portfolio, I would invest in wider indices/EFT’s for better diversification

Bannedwith1milKarma

You can Casino into 3x EFT like SOXL

flyingcrane_toMoon

I learned this lesson hardway. thought I am too smart and went for individual stock. Best to do 50% EFT (SPY, QQQ, VOO) and 30% mega cap (with great business) and 20% cash

WhenToBuyHome

I love Vanguard for the low fees. I buy an EFT and forget it.

SpellAccomplished541

100% my mistake. I recommend the next generation during their tech revolution use EFT instead of chasing 10x.

SpellAccomplished541

100% my fault. I hope younger people can learn from my mistakes not to chase 10x from experts and instead use EFT/ S&P/boggle.

No-Arrival2149

This is a leveraged ETF and seems to have a very good risk/return ratio for an EFT. I am considering buying some call options on AGQ, but the spread is too wide for me.

CascadianSP

0.50%. - Investment Wine 0.75% - Private credit 1.00%. - Physical gold 1.75%. - Physical silver 3.00%. - HYSA 5.00%. - Private equity 8.00%. - 30 or 90 day treasuries 15.00% - International holdings 15.00%.- Growth focused ETF (Domestic) 50.00% - Broad Index EFT

Ghostdean

I am bearish for 11/25/25 based on my correlations analysis between HYG (High Yield Bond EFT) and SPY (S&P 500 ETF). Here is one year's worth of data up to the market close on 11/24/25. SPY is overvalued by approximately 1.25%. Here is the video explaining it: [https://www.youtube.com/watch?v=ut6Cc2AtWDY](https://www.youtube.com/watch?v=ut6Cc2AtWDY)

Wargamer_Stocks2Win

Learn how to hedge. Try buying a reverse ETF. This category of ETFs post positive gains when the market is tanking. I bought a couple thousand shares when the market started crashing and make $3k (still holding). This market is gonna have a lot of volatility and negative days will probably outnumber short term positive gains. The SQQQ is a reverse EFT that folks use all time to play the short side. This just one example of how to play the dark side but there are others where you get better “bang for your buck” regarding leverage. If this is the start of a 25-40% correction, expect the downturn to last 12-18 months. Don’t get caught in the death spiral.

PaperHandsTheDip

**> I am not in options (yet) I just own shares.** Don't get into options. They're an incredibly complex instrument that 99/100 people lose money with. Something like 92% of active investors underperform a buy & hold strategy. People trading options underperform even worse. **> I am mid 20s I have been working since I was 13.** So you're young, can hold thru volatility. Do that. **> This year lost most of my life savings due to a cross country move and the gd grocery prices rising every hour.** If $20 loss is stressing you out, you shouldn't be investing. Buy and walk away for 10+ years is how you should treat it if new. **> This community is already 10x better than the other I have looked in. No one has called me a slur yet.** I assume you were on wallstreetbets or another sub. Those ones are for gambling, not investing. Majority of people there (and here to be honest) lose money. The raw numbers show **> I am holding shares in VTI, VOOG, QQQ, and had money ready to go into an energy sector specific EFT then a Dow eft.** Just buy and hold these. You're trying to time that market.

Agamer47

Try going with FENY its at 25 dollars right noe and the expense ratio is 0.08 percent. Im not an expert but that looks like the best place for an Energy EFT.

Leather_Sherbert_570

Noobie EFT question: Opened a brokerage (varies holdings) and invested 6K in gold ETF a month ago. Current gain is ~$200. This is kind of a hypothetical question and im just trying to learn not game the system, but would it be silly If I cashed out and then immediately reinvested the funds(now $6200) into the same ETFs? Pros/cons? Am I understanding this concept correctly as though it could be compounding interest from a CD?

cgtx_stock

Tell me how EFT will help. Its a lot of money to recover… i am in the same shoes, even today was a bright day

Various_Couple_764

Most of the adds you see on TV are mostly about convincing you to buy and invest in gold. No about gold bing a good investment there are 3 basic ways to buy gold and silver: * Invest in companies that mine gold * Use a company or ETF that buys and sells gold. you buy a shar of the EFT and they buy gold and put it in vault. The you sell the shares they charge a fee sell the gold and give you the money,. * Buy a ETF athat uses covered calls to convert the pricevolatilitty of gold into a cash dividend. IGLD and IAUI are tow I know about.

Mindless-Anybody-438

I have had the same thing happen.  I have decided I want to go after Pathward under the EFT Act.  I am going to write a letter to their registered agent located in Delaware.  I wish everyone would do this to inundate Pathward.  I will give them 10 days to respond.  I have already filed reports with local law enforcement and FBI, and all the others.  TreasuryDirect is not going to do anything for us and is stating to everyone basically it is your fault since you did not have adequate security on your account.  My I bond funds were moved out of my account after it was frozen.  Basically how can you do anything with the account when you are frozen out of it with T 13 administrative hold.  I have decided in a couple weeks I will speak with an attorney who specializes in this area.  I had a letter generated with a case number in October I can't even get TreasuryDirect to even email me the letter. 

Early_Tear4827

There's actually an EFT that matches the congress's stock picks. Amazingly it works

KkatT1o1

I bought a 2x inverse EFT back in March (TSLQ). I'm down 85%, I strongly do not recommend. I hate Elon and think TSLA is over valued but next time I might buy TSLA because I've learned my lesson, tesla stock defies logic and is backed by billionaires, it's not going down.

InsuranceExpensive91

real question can I get an EFT that doesn't have the mag 7... I want the 493 S&P...or even better the S&P without exposure to the AI shit

mrbbku

Buying broad EFT and not panicing when everyone yells "Bubble!" is a meaningless exercise?

RayU_AZ

Many 5 years of 20 stocks. I was a ETF guy before, VONG, SOXX, ARKK, XBI, etc... But my returns have been higher with stocks over the last 5 years. But sometimes when I can't decide which semi-conductor company to buy, Sometimes they all look good, then I just park my money into a EFT, SOXX or SMH to own them all.

reed0439

EFT and IRA are constant flow of money in this small market Of course,the price are going to rise

No-Friendship8546

I went to the dark side about 10 days ago. Moved some $ into an inverse 3x ETF. Annual range of this ETF was $7.60 to $25. Up about $10k in two weeks. EFT closed at $8 for the week. What’s interesting about this trade is that if history repeats itself and the stock mirrors last year’s results of a high of $25, it will return a gross profit of $250k+ If I get greedy and add more shares to my position or the stock goes into the 30’s, the potential reward will climb significantly. I like this trade a lot because our president is trashing our economy and this trade thrives on negative sentiment/stimulus. There’s a variety of negative ticker symbols available for people to choose from like SQQQ etc but I choose mine because the cost of entry is minimal, and even without the “trump” effect, the market is definitely biased against a long position.

Leading_World_3813

Keep doing what you’re doing, compounded 60% gains in 15 months that works out to 6.25% each month, but minimize losses. Rebalance and adjust your trading playbook frequently. Focus on the math! You need 150% gains or 58%/annual (4.5%/month) compounded gains. Stay with stock/EFT, etc. you like to reduce emotional selling pressure. I think 58% compounded per year consistently is extremely difficult requiring speculative approaches with high failure probability. Try monthly compounding targeting 4.5% gains through frequent trading and reinvestment of profits. 4.5% was my September’s gain. My goal was 20%/compounded 21.94% annual but last month I traded on my P&L on tech stocks hypes, deep ITM CSPs and always closed early to lock in gains on stocks I didn’t mind holding. I don’t expect a repeat so I’m back to trading OTM’s now.

Plenty_Homework17

SPY to be included in MEME EFT

hiloai

Investing monthly is great. Put the majority of it in an EFT and relax.

baldlob

I would put some in a Teck EFT like IYW. ISHARES US TECHNOLOGY ETF IYW. It covers a lot of the major companies

phantasm42

If you ever plan on depositing money through EFT or RDC then Schwab all the way. Fidelity was super shady last year with the overnight “everyone has a 15 business day wait for funds availability” fiasco. Then is became a game of having to push not pull funds through Fidelity. In all this craziness they never considered account tenure or portfolio size. Didn’t matter if you had $10 or $10M, still the same treatment. Personally, I will never trust Fidelity for immediate access to funds again. Schwab you are more likely to get immediate access to funds within hours vs days with Fidelity. While you don’t have an equivalent CMA / sweep account, you do get a full fledged bank account. Is Schwab perfect, no; no bank is but for the important bits they are pretty good.

beIIe-and-sebastian

You have the most valuable resource of all: Time. You have several decades of time and compounding on your side. You shouldn't be overwhelmed, and certainly shouldn't be stressed about learning and understanding the market. My advice is to simply not 'trade' at all. At least not up for a few years. Just set an investment schedule into a global or S&P500 EFT for the next few years. Meanwhile keep reading and learning, then maybe start making your own decisions on individual stocks.

Grettenpondus

What would, in practice, be the difference for me as an investor holding a leveraged EFT and a futures contract with similar exposure?

No-Consequence-8768

Go with the EFT!!! Put all your money in EFT Fidelity ABA 822456Z12 Acct: P603831155 TY

human_debugger

@[Pdizzle0303](https://www.reddit.com/user/Pdizzle0303/) Thanks for posting this. I learned about UPSX from your post. But I dug into the ETF description and now think that this EFT is not a good play to capture UPST's long-term upside. This EFT is what's called a daily-reset EFT. It tracks intraday performs closely, but not long term performance. In the prospectus (https://www.tradretfs.com/hubfs/UPSX/SUMMARY%20PRO%20UPSX.pdf?hsLang=en), there is a page showing the return of UPSX for different returns of UPST at various 1-year volatility rates. In the past year, UPST's 1-year volatility rate was > 100%. So that's a huge risk. https://preview.redd.it/xo43ny6hafsf1.png?width=1778&format=png&auto=webp&s=e267c9196f870657446223c62c00060cdb5e8c5e Holding UPSX long term can be a losing proposition due to "volatility drag". In other words, if UPST rises +60% smoothly (e.g. a steady upward trend), UPSX would do fantastically—close to +120%. But if UPST is volatile—swinging up and down around the trend—UPSX can get dragged down badly. This is because: * On down days, UPSX loses **2× as much**. * On the following up days, UPSX is compounding from a **smaller base**. * High volatility + leverage = erosion of value over time, even if the asset trends upward. # 3. Example Walkthrough Let’s say UPST goes like this over four days: * Day 1: +10% → UPST = 110, UPSX = 120 (2× daily) * Day 2: −9% → UPST ≈ 100.1, UPSX = 96. (Notice: UPST is nearly flat, but UPSX has dropped below 100!) * Day 3: +10% → UPST ≈ 110, UPSX = 115. * Day 4: −9% → UPST ≈ 100.1 again, UPSX = 93. Result: * UPST = roughly unchanged (0%). * UPSX = down −7%. That’s **volatility decay** in action. Scale this effect over a year with **50–100% volatility**, and the drag can overwhelm even a strong +60% annual move in UPST.

bushed_

You could do smaller sums at a couple banks, wait a bit, and then do a EFT to the one you actually want it all at Good luck dodging mr tax man

megabyzus

Put the money in a HYSA or better invest in SGOV which is an EFT where it invests in 0-3 month Treasuries with auto rollover. So no state tax. It's currently at a bit above or below 4% return. Also liquid.

SeaPossibility6106

Are EFT's the same as mutual funds? If so I do have the majority of my assets within mutual funds! It just tends to get so little kickback. That's why I started into dividends but only for value stocks which for canada banks tend to be very secure long term. I think the LEU is me trying to branch out a bit. But what I am finding from the comments is I have very little knowledge in this area and need to reach out to an investor before proceeding further. There's a lot of research and unknowns for me right now and I don't feel comfortable with doing direct investing.

DotRevolutionary6610

What's an EFT

FeelTheKetasy

Thanks for the advice! Do you think that MSCI is a better choice than investing in a global EFT?

FeelTheKetasy

Thanks for the advice. Would a global EFT be better than an EFT that only focuses on developed markets like MSCI?

todays_tom_soy_

If you're interested in investing in companies that are more aligned with your values, there are various mutual funds + ETFs that are available (e.g., VEGN: "US Vegan Climate EFT"). Be careful about overly restrictive funds (whose focus may be too narrow to produce the steady gains typical of broad index funds) or funds that have unreasonably high annual fees. Many of these funds aren't going to make as much financial sense as the broader funds that track the S&P 500 or the whole market (e.g., VTSAX). If you're worried about the practices of particular investment companies, it's helpful to look into past lawsuits that have been filed against them. I like Vanguard, which made its reputation in part by offering certain investments with especially low fees, changing the industry in the process, and the company is technically owned by its customers. No company will be perfect, though. Beware of investments that serve the interests of the company much more than those of the investor. Some annuities arguably fall into this category, for example.